| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 690 HIDDEN COVE ADA, MI 49301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 8.38% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC DBA SYMPL BENEFITS | 528 4TH ST NW GRAND RAPIDS, MI 49504 | DELTA DENTAL | $3K | $0 | $3K | 6.06% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PKWY GRAND RAPIDS, MI 49546 | DELTA DENTAL | $2K | $125 | $2K | 3.14% |
| AXIOS INSURANCE ADVISORS, LLC3 | 528 4TH ST NW STE 100 GRAND RAPIDS, MI 495047330 | VISION SERVICE PLAN | $689 | $0 | $689 | 7.92% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $32 | $0 | $32 | 0.37% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 690 HIDDEN COVE ADA, MI 49301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.99% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 68 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 140 | $55K |
| Vision | VISION SERVICE PLAN | 67 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $114K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $107K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.